I still remember my time serving in Jos during the National Youth Service Corps (NYSC). At the time, corps members were adjusting to a sharp rise in the cost of food, transport, rent and other basic expenses. When the Federal Government increased the monthly NYSC allowance from ₦33,000 to ₦77,000, I initially thought the increase would finally give me some breathing room. On paper, ₦77,000 looked like a major improvement. Bu…
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Recently, I was in my room thinking deeply about my life. One thought kept coming back to me: how much can our friendships influence the way we spend? The more I thought about it, the more I realized that some of my social habits were costing me far more than I had noticed. To understand where my money was going, I reviewed my OPay transaction history. I had opened the account earlier in the year, and I wanted to understand w…
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Have you ever been rejected by a loan app even though you have never defaulted on a loan? Here are the realistic reasons it can happen, what lenders may consider, and what you should do next. I can remember vividly the first time I tried to borrow money from a loan app. I was an undergraduate at the University of Jos, in 200 Level at the time. I needed money to print materials for a group assignment and presentation. I called…
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Working a 9-to-5 job can be exhausting, especially when you feel underpaid, overworked or unappreciated. However, a difficult day at work does not always mean quitting immediately is the best financial decision. I currently work as a teacher, and there have been days when I have felt frustrated by the expectations placed on me. Sometimes I feel that I am expected to remain on my feet teaching constantly, even when I need a sh…
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Whether you like it or not, when you are in a relationship, you will spend. It doesn't matter if your partner is demanding or not. You will surely spend. Even when your partner doesn't ask you, as a caring person, you will go out of your way to make them happy and to show them you appreciate them. It is not possible to be in a relationship without spending. This is because it is no longer you but us. A relationship co…
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